New data from HowMuch.net reveals the cities where the average monthly mortgage payment takes up the smallest share of the median paycheck, enabling residents to build wealth by saving and investing the extra money.

The standard measure of housing affordability says Americans should spend no more than 30% of pre-tax income on housing. In the 10 cities below, the average homeowner spends 16% or less of their income on their mortgage payment.

For each city, we've included the median annual income, median home listing price, monthly mortgage payment assuming a 30-year fixed rate, and the percentage of income that goes toward housing.